Common bank cards generally include debit cards, quasi-credit cards, and credit cards. Among them, debit cards and quasi-credit cards are the most commonly used, which refer to our commonly used savings cards and credit cards, because these two It’s not a concept, so if you think that credit cards include debit cards is obviously wrong, let’s introduce to you the difference between credit cards and debit cards.

1. What are credit cards and debit cards 1. Credit card: also called quasi-credit card, it has the function of overdraft in advance. After the card is successfully approved, the bank will give you an overdraft limit, and you can swipe the card without depositing money. You can spend money, withdraw money from it, or deposit money into the card. 2. Debit card: It is our commonly used savings card. It does not have an overdraft function. You can deposit money into the card and withdraw the deposited money.

2. What is the difference between a credit card and a debit card? 1. Application: There are thresholds for credit card approval. Generally, you need to be over 18 years old, have a stable job and income, and have no bad credit before you can apply. ; Debit cards can be processed at the counter of each bank with your ID card, and there is generally no threshold; 2. Limit: After the credit card is approved, the bank will grant an overdraft limit, and the amount of the limit is related to the applicant's credit status; Debit card After you apply for a card, the bank will not give you a limit, and you need to deposit money into the card yourself. 3. In terms of interest: There is an interest-free period after a credit card overdraft, but after the specified interest-free repayment period, interest will be paid. Interest will also be calculated when withdrawing cash. There is no interest when depositing money into the card; when using a debit card, you will be charged interest. If you deposit money there, the bank will calculate interest for you. 4. Scope of use: Credit cards can be used nationwide, and you can withdraw money or make purchases with the card at ATMs and POS with the UnionPay logo; while some debit cards are only applicable to local merchants and usually have the logo of the card issuer and The processing system it uses. Through the above introduction, we can understand that credit cards and debit cards are two completely different credit cards, so they cannot be confused, nor can they be considered to include the other.